# FARMERS STATE BANK OF DENT
DENT, MN · FDIC certificate 1910 · asset band <$300M · latest filing 2012-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $30.3M | |
| Deposits | $27.8M | |
| Loans and leases | $19.9M | |
| Total equity | $2.4M | |
| Loans / deposits | 70.34% (p55 of band) | 67.95% |
| Liquid assets / assets | 29.94% (p37 of band) | |
| Uninsured deposits / deposits | 0.62% (p3 of band) | 8.38% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.34% (p8 of band) | 9.95% |
| Unrealized securities loss / equity | 5.22% (p68 of band) | 2.77% |
| AOCI / equity | 0.46% (p86 of band) | |
| ROA (annualized) | 0.30% (p23 of band) | 0.78% |
| Net interest margin | 4.01% (p65 of band) | 3.77% |
| Efficiency ratio | 100.95% (p91 of band) | |
| Noncurrent loans | 5.41% (p88 of band) | 1.40% |
| Net charge-offs (annualized) | 0.00% (p34 of band) | |
| Reserve coverage of noncurrent | 35.90% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 31.72% (p67 of band) | |
| Auto loans | $233,000 (1.17% of loans; DQ 9.87%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.0% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 4 | leverage <7% |  |
| 2012-03 | 2 | expense ratio p90 | losing money, capital falling, leverage <7% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2012-04-25 [Farmers State, United Community banks merge - Perham Focus](https://news.google.com/rss/articles/CBMihwFBVV95cUxNQ0NvaWRna1kydlBaN1ltRFhVempLVlhLLUprX1ZTWDRma0xBOXU5OGtDbGNHTHJFWS0zZHRzb1ZtbEZlQnY5MV9fQl9xOW5PTEZ4STdJUGNPSWNNMXVoSE5RajRPODFMRDE5Vy1USVQ4Ulh0NGhFTkpncWdyUDhvLWpjTVhLTW8?oc=5) · Perham Focus
- 2016-10-10 [Peggy Wilcox Obituary Oct 10, 2016 - Schoeneberger Funeral & Cremation Service](https://news.google.com/rss/articles/CBMickFVX3lxTE9vc3dCSEJyMFVkNkcyWW4yZWxSTEItb3IycmJPX3pwckRDXy1mUkZTMV84UjNxSW9yc09ydm1aRU1FQXhZdlRVcUxqdlA2a3ZsakNuQ0Q2UTFvX09qSVVtQkktZ1BzOFVZY3FLTHlwcGdaUQ?oc=5) · Schoeneberger Funeral &amp; Cremation Service

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1910 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/54.json (key "1910", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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